OPINION
DAVID W. HOUSTON, III, Bankruptcy Judge.
On consideration before the court is the complaint to modify the third mortgage encumbering the debtors' residence; answer to said complaint having been filed by the defendant, Union Mortgage Co., Inc., hereinafter referred to as Union Mortgage; all factual issues having been stipulated by the parties; the Court having received and reviewed memoranda of law submitted by the parties, the Chapter 13 trustee...
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